Manik Kumar

DVP | Senior Credit Leader managing ₹36,000 Cr Mid-Corporate Portfolio | <1% GNPA | Team of 4 | HDFC Bank

Role: Dvp & Team Leader- Mid Corporate Credit at HDFC Bank
Location: Chandigarh, CH, IN
LinkedIn followers: 500 followers

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About Manik Kumar

Credit Processing, Cash flow analysis, Balance sheet Analysis, Agri Loans, Import/Export Credit

Experience

Dvp & Team Leader- Mid Corporate Credit
HDFC Bank
Apr 2024 — Present · Chandigarh, IN
Lead credit underwriting & portfolio oversight for Cr diversified Mid-Corporate portfolio across 300+ accounts in North India• Maintain GNPA below 1% through disciplined risk assessment & early stress monitoring• Individual sanction authority• Exposures handled up to ₹1,150 Cr• Manage ETB & NTB proposals across manufacturing, trading & selective infra sectors• Lead and mentor 4-member credit approval team ensuring turnaround efficiency and underwriting consistency• Partner with business teams to enable calibrated growth while protecting asset quality

Education

The Institute of Chartered Accountants of India
Chartered Accountancy, Credit analysis
2010 — 2014
Moodys Analytics
Certificate Course in Commercial Credit, Credit
Delhi University
Bachelor of Commerce (B.Com.), Business/Commerce, General
2011 — 2013

Skills

Cash Flow Analysis
Import Credit
Credit Analysis

Contact information

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Work email
•••••@hdfc.bank.in
Personal email
•••••@•••••.com
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Current company

HDFC Bank

Banking · 216K employees · Mumbai, Maharashtra, India

HDFC Bank is India's largest private sector bank, offering a comprehensive range of financial products and services to our customer base of over 92 million. Our extensive distribution network of 8,919 branches and 21,031 ATMs across 3,836 cities and towns as of August 2024, reaches every corner of the country, making us accessible to millions. Promoted by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". With a single-minded focus on product leadership, customer focus and operational excellence, we have emerged as a leading player in all our business segments. We cater to individuals and businesses, offering a full range of innovative banking solutions including loans, payments, and wealth management. Our business solutions empower companies of all sizes, from MSMEs to large corporations, helping them grow with tailored banking services and financial tools. In 2023, the Bank merged with HDFC Ltd, combining our robust banking services with HDFC Ltd's legacy of leadership in housing finance. This merger enhances our ability to offer home loans and other financial services, ensuring seamless access for customers across urban and rural areas. As a socially responsible corporate citizen, we believe in banking with a purpose. Through our CSR initiative, Parivartan, we actively work to drive positive change across education, healthcare, skills training, and sustainable livelihoods impacting over 10 crore lives across the country. Our commitment to community impact is as strong as our dedication to delivering value to our stakeholders. As we expand, we continue to stay at the forefront of innovation, offering seamless digital banking experiences to enhance the lives of our customers. HDFC Bank prioritises the security of its systems and remains committed to maintaining the confidentiality of its customers' data. As a precaution

hdfc.bank.in

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About Manik Kumar

Experience

Dvp & Team Leader- Mid Corporate Credit

Education

The Institute of Chartered Accountants of India

Moodys Analytics

Delhi University

Skills

Find verified contacts for anyone on LinkedIn